Janet Kusisto
NMLS: 333116 | JKMortgage
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JKMortgage
About Janet
With over 35+ years of lending experience, I can provide you with the best mortgage programs and rates that meet your specific needs. Why not give me a call?
Client Reviews
Reviews (30)
Lisa Bonilla
February 16, 2024
Janet was great! She communicated well, was straight forward and thorough. I was a first time home buyer she explained things I didn't understand and was patient with me. I am happy and extremely appreciative to have had her by my side! Thank you Janet for your hard work and diligence in helping me find a place to call my own!
Sally Lujan
July 25, 2023
We had a great experience working with Janet Kusisto. My husband and I live in Texas, we were looking to buy a home in California to be near our grandchildren. We have bought and sold property in Texas and worked with local people we know, so we were a little nervous about buying out of state, long distance and working with agents we don't know, Thank God we found Janet, she communicated well with us, kept us informed and updated throughout the buying process and made us feel like she had our best interest at hand, made us feel like we were working with local people who know you and your needs
Nicki Santillan
July 24, 2023
Working with Janet was an awesome and seamless experience. The process went smoothly and Janet was very communicative throughout the transaction. She is professional and thorough, and explained things in a way that was easy to understand. She picks up the phone and keeps you updated. I would recommend her without hesitation.
Bianca Dunlap
July 6, 2023
Janet and her team were amazing to work with. They listened to our needs and helped out in any way possible. They definitely made the process of purchasing a new home a breeze.
Lorrie McClain
July 6, 2022
Janet went above and beyond to help us buy our home, even though it was not an easy process. Janet is the only realtor that stuck with us and dealt with all the headaches that came with buying my home. Janet will always be my number one recommendation to help you with your home-buying process.
Mortgage Calculators
Monthly Payment
Apart from the purchase price of a home, there are other costs that must be factored into your monthly mortgage payment, including loan term, interest rate, homeowners insurance and property taxes.
This monthly payment calculator can help you figure out monthly loan payment options and is a tool you can use to assist with budgeting, whether you're buying a home or considering a refinance. When you're ready to purchase a home, connect with an independent mortgage broker to help you get started with your first time home loan.
Estimated Payment Amount
Per Month
$0.00
* If your down payment is less than 20% of the purchase price of the home on a conventional loan, you may be required to pay mortgage insurance.
Buy vs Rent
Should you buy or rent a home?
Are you currently renting and thinking about buying a home? There are a lot of factors that go into this decision, starting with affordability. Our calculator helps you compare the cost between renting and buying, making it easier to see which option may be best for you.
Buy vs Rent
What is right for you?
With a steady income, good credit score, manageable debt, some savings, and you want to put down some roots, you may be ready to buy a house.
Use our buy vs rent calculator to find out what's right for you.
Refinance
Have you ever considered refinancing your home loan?
Too many homeowners who close on their mortgage simply "get it and forget it," which could be a big mistake. Refinancing your current home loan may save you a significant amount of money depending on your interest rate, how many months remain on your loan term and how long you plan on staying in your home.
It's all in the numbers. So, let's do a little digging. Use our calculator below and then connect with an independent mortgage broker to start your home refinance
Why Refinance?
Lower Interest Rate
If rates dropped since you took out your mortgage, you may be able to refinance to a lower rate and monthly payment.
Adjustable to Fixed Rate
If you have an adjustable rate mortgage (ARM) and plan to stay in your home for a while, you may want to refinance to a fixed rate mortgage.
Convert Equity to Cash
If your home value increased or you paid off a significant amount of your mortgage, you can get cash out of your home with a cash-out refinance to pay off credit card or other debt, make home improvements and more.
How Much Home
Before you fall in love with a home, be sure to fall in love with the numbers. If it’s your first time getting a home loan, it’s important to connect with an independent mortgage broker to walk through your financing options.
There’s much more that goes into the cost of homeownership than the purchase price. Other factors include: property taxes, homeowners insurance and the interest rate on the home loan. Preparing a thorough and comprehensive budget is a good first step to understanding how much home you can afford. Our home affordability calculator makes this easy.
You May Be Able To Afford A House Up To:
$0.00
With a monthly estimated payment of $0.00.
Based on your income, a home at this price could fit within your budget.
Specializations
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